Financial planning for what's next
Helping people find their way through life's biggest financial transitions. Schedule a ConsultationAbout UsFinancial Planning for Life's Biggest Moments
Whether you’re planning for retirement, navigating a divorce, or simply ready to take control of your financial future – we’ve been helping families and individuals build smarter financial plans since 2009.
Our Services
Divorce Financial Planning
Divorce doesn’t just change your life – it changes your entire financial picture. Splitting assets, dividing retirement accounts, understanding tax implications, evaluating the family home – these decisions have long-term consequences that can’t be undone.
As a Certified Divorce Financial Analyst (CDFA®), Nicole brings specialized expertise that most financial advisors simply don’t have, helping you make informed financial decisions during one of life’s most challenging transitions.
We help with:
- Asset division and valuation
- Retirement account splitting (QDROs)
- Tax implications of your settlement
- Post-divorce budgeting and financial planning
- Understanding your long-term financial options
Retirement Planning
Retirement isn’t a finish line – it’s the beginning of a whole new financial chapter. The question isn’t just ‘do I have enough?’ it’s ‘will it last, and will I actually enjoy it?’
We build retirement strategies around your specific goals, timeline, and lifestyle. Whether you’re 15 years out or 5, we help you get from where you are to where you want to be with a clear, realistic plan.
We help with:
- Retirement income planning
- 401(k) and IRA optimization
- Social Security timing strategies
- Healthcare and Medicare planning
- Estate planning basics
Comprehensive Financial Planning
Sometimes you don’t need a specialist – you need someone who can see your whole financial picture and make sense of it. Investments, insurance, taxes, estate planning – it all connects, and a plan that ignores any piece of it is an incomplete plan.
We take a collaborative, transparent approach to financial planning. No jargon, no pressure, no cookie-cutter portfolios. Just honest guidance built around your life.
We help with:
- Investment portfolio management
- Tax planning strategies
- Insurance needs analysis
- Estate planning
- Long-term wealth building
Our Team of Experts
Kyle Laubenstein
Kyle began his career with Waddell and Reed in 2009 and has been an advisor for LPL since 2021. Kyle’s goal is to assist his clients to maintain and grow their wealth through the financial planning process. He assists in helping clients navigate their life changes from retirement, to job changes along with risk management and estate planning and helping to grow savings for the next generation. His wealth management process is individualized and tailored toward your personal goals and needs.
Nicole Tilot
Nicole has been in the financial services industry since 2012 and focuses on providing financial guidance during times of transition. With a holistic approach, she assists people in retirement and income distribution planning, legacy planning and tax efficiency strategies. She is a Certified Divorce Financial Analyst and specializes in Divorce Financial Planning.
Selese Anderson
Frequently Asked Questions
Do I really need a financial advisor?
If you have financial goals – retirement, growing wealth, protecting your family, or navigating a major life change – a financial advisor helps you get there faster and with fewer costly mistakes. Most people find that the value of professional guidance far outweighs the cost.
How often should I meet with my financial advisor?
We recommend at minimum meeting with us every five years, and any time you experience a major life change – job transition, marriage, divorce, inheritance, or approaching retirement.
What should I bring to my first appointment?
Don’t stress about coming in perfectly prepared. It helps to have a general sense of your income, any retirement accounts or investments you have, and a rough idea of your monthly expenses — but we’ll walk through everything together. If you have recent tax returns or account statements handy, bring those too. The first conversation is really just about getting to know you and your situation.
How do I start investing if I've never done it before?
The most important step is simply starting — even small amounts matter more than most people realize over time. We begin by understanding your goals, your timeline, and how much risk you’re comfortable with. From there we build a portfolio that makes sense for your specific situation. You don’t need a lot of money to begin, and you don’t need to understand the stock market inside and out. That’s what we’re here for.